The Franklin Savings and Loan Company in Cincinnati, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 17, 2011

  • The Franklin Savings and Loan Company in Cincinnati, Ohio (OH)
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The Franklin Savings and Loan Company - Overview

  • General
  • FDIC Certificate #: 28668
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Cheviot Savings Bank (#27946)
    Federal Reserve ID: 621076
    Date Established: January 01, 1883
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 2092
    FDIC's unique #: 41502
    Numeric code: 35
    Regulator: OTS
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: August 20, 1951
    Last Structure Change Effective Date: March 17, 2011
    Last Structure Change Process Date: April 06, 2011
    Last Data Update: April 06, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 4750 Ashwood Drive, Cincinnati, OH 45241
    County: Hamilton
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Columbus
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Cincinnati, OH-KY-IN (#1640)
    Consolidated Metropolitan Statistical Area (CMSA): Cincinnati-Hamilton, OH-KY-IN (#21)
    Combined Statistical Area (CSA): Cincinnati-Middletown-Wilmington, OH-KY-IN (#178)
    Core Based Statistical Area (CBSA): Cincinnati-Middletown, OH-KY-IN (#17140)
    CBSA Metro Statistical Area: Cincinnati-Middletown, OH-KY-IN (#17140)
  • Financial Summary
  • Total assets: $270.7 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2010)

  • Dollar figures in thousands
  • 93Total employees (full-time equivalent)
  • $270,711Total assets
  • $8,924Cash and due from depository institutions
  • $7,161Interest-bearing balances
  • $19,661Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $215,570Net loans & leases
  • $2,837Loan loss allowance
  • $0Trading account assets
  • $2,357Bank premises and fixed assets
  • $2,818Other real estate owned
  • $313Goodwill and other intangibles
  • $6,274Life insurance assets
  • $21,068All other assets
  • $270,711Total liabilities and capital
  • $249,995Total liabilities
  • $225,659Total deposits
  • $219,118Interest-bearing deposits
  • $225,659Deposits held in domestic offices
  • 94.40%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $22,952Other borrowed funds
  • $0Subordinated debt
  • $1,384All other liabilities
  • $20,716Total equity capital
  • $20,716Total bank equity capital
  • $20,716Perpetual preferred stock
  • $0Common stock
  • $622Surplus
  • $5,943Undivided profits
  • Memoranda
  • $14,151Noncurrent loans and leases
  • $19,497Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $8,124Earning assets
  • $0Long-term assets (5+ years)
  • $996Average Assets, year-to-date
  • $242,392Average Assets, quarterly
  • $0Volatile liabilities
  • $282,826Insider loans
  • $272,531FHLB advances
  • $68,382Loans and leases held for sale
  • $1,012Unused loan commitments
  • $22,952Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $19,497Total unused commitments
  • $4,826Restructured Loans and leases
  • $2,435Derivatives

Income and Expense (December 31, 2010)

  • Dollar figures in thousands
  • $13,489Total interest income
  • $6,365Total interest expense
  • $7,124Net interest income
  • $1,967Provision for loan and lease losses
  • $4,457Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $4,457Additional noninterest income
  • $11,136Total noninterest expense
  • $6,055Salaries and employee benefits
  • $1,574Premises and equipment expense
  • $3,507Additional noninterest expense
  • -$1,522Pre-tax net operating income
  • $23Securities gains (losses)
  • -$779Applicable income taxes
  • -$720Income before extraordinary items
  • $0Extraordinary gains - net
  • -$720Net income attributable to bank
  • $0Net charge-offs
  • -$720Cash dividends
  • $1,560Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2010)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.33%Yield on earning assets
  • 2.52%Cost of funding earning assets
  • 2.82%Net interest margin
  • 1.76%Noninterest income to earning assets
  • 4.40%Noninterest expense to earning assets
  • -0.26%Net operating income to assets
  • -0.25%Return on assets (ROA)
  • -0.53%Pretax return on assets
  • -3.40%Return on equity (ROE)
  • -3.40%Retained earnings to average equity (YTD only)
  • 0.68%Net charge-offs to loans
  • 126.09%Credit loss provision to net charge-offs
  • 0.29%Efficiency ratio
  • 96,157Assets per employee
  • 2.91%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.30%Loss allowance to noncurrent loans
  • 34.92%Noncurrent assets plus other real estate owned to assets
  • 4.04%Noncurrent loans to loans
  • 3.72%Net loans and leases to deposits
  • 95.53%Net loans and leases to core deposits
  • 119.61%Equity capital to assets
  • 7.65%Core capital (leverage) ratio
  • 7.40%Tier 1 risk-based capital ratio
  • 10.27%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $282,826Average earning assets
  • $21,178Average equity
  • $253,017Average loans

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